Part of the new normal of insurance is a drastic shift to voluntary coverage. The Patient Protection and Affordable Care Act, and all the changes surrounding it, is one big reason we're seeing the boom in voluntary insurance coverage.

A second reason is the growth of employee wellness programs. More and more businesses are using them as a means to offset health care costs.

The simple fact is employers know they need to offer dental and vision, and it's easier for them to make it voluntary.

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